Bay-Valley Mortgage Group Mortgage Lending & HMDA Data, 2013
In 2013, Bay-Valley Mortgage Group of Hayward, CA reported 2,776 mortgage applications totaling $889.9 million, down 25% from 2012. The average application was for $320,551, and applicants reported an average income of $119,390. 57% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,299), Santa Ana-Anaheim-Irvine, CA (657) and Riverside-San Bernardino-Ontario, CA (263) (applications in parentheses).
| Mortgage Company & Address | Bay-Valley Mortgage Group 23320 Foothill Blvd, Suite 260 Hayward, CA 94541 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 2,776 |
| Total Mortgage Loan Application Amount | $889,850,000 |
| Average Mortgage Loan Application Amount | $320,551 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $119,390 |
| Highest Applicant Income | $2,424,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bay-Valley Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Bay-Valley Mortgage Group in 2013
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,844 | $590,004,000 | $319,000 | $1,000,000 | $120,000 | $2,424,000 |
| Home Purchase | 913 | $293,746,000 | $321,000 | $1,500,000 | $118,000 | $1,389,000 |
| Home Improvement | 19 | $6,100,000 | $321,000 | $595,000 | $127,000 | $199,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Asian | 2,012 | $646,291,000 | $321,000 | $1,500,000 | $120,000 | $2,424,000 |
| White | 442 | $149,512,000 | $338,000 | $960,000 | $126,000 | $1,189,000 |
| Not Provided | 143 | $46,395,000 | $324,000 | $753,000 | $125,000 | $960,000 |
| Hispanic | 137 | $34,520,000 | $251,000 | $588,000 | $86,000 | $377,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $5,065,000 | $297,000 | $484,000 | $116,000 | $342,000 |
| Black or African American | 17 | $5,174,000 | $304,000 | $471,000 | $101,000 | $360,000 |
| American Indian or Alaskan Native | 8 | $2,893,000 | $361,000 | $610,000 | $144,000 | $439,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,726 | $873,787,000 | $320,000 | $1,500,000 | $120,000 | $2,424,000 |
| FHA-insured (Federal Housing Administration) | 50 | $16,063,000 | $321,000 | $719,000 | $74,000 | $324,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,587 | $502,375,000 | $316,000 | $1,000,000 | $117,000 | $1,389,000 |
| Application Approved But Not Accepted | 541 | $182,964,000 | $338,000 | $1,500,000 | $135,000 | $2,424,000 |
| File Closed For Incompleteness | 355 | $110,311,000 | $310,000 | $910,000 | $111,000 | $1,041,000 |
| Application Denied By Financial Institution | 238 | $76,723,000 | $322,000 | $900,000 | $111,000 | $835,000 |
| Application Withdrawn By Applicant | 55 | $17,477,000 | $317,000 | $740,000 | $142,000 | $420,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 36 | $11,951,000 | $331,000 | $900,000 | $118,000 | $520,000 |
| Other | 22 | $6,962,000 | $316,000 | $628,000 | $108,000 | $225,000 |
| Credit History | 6 | $1,901,000 | $316,000 | $458,000 | $68,000 | $112,000 |
| Collateral | 5 | $1,567,000 | $313,000 | $434,000 | $136,000 | $205,000 |
| Employment History | 5 | $1,441,000 | $288,000 | $372,000 | $74,000 | $120,000 |
| Unverifiable Information | 2 | $557,000 | $278,000 | $332,000 | $86,000 | $122,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay-Valley Mortgage Group's 2013 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bay-Valley Mortgage Group's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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